AI spend management software

Control AI and SaaS spend without changing cards.

Lumora is AI spend management software for finance teams — detect shadow AI tools, duplicate SaaS, and policy exceptions across existing cards, AP, accounting, and SaaS data. No card migration required.

No card migration
Read-only access
Refundable or credited
SOC 2 Type II in progress

Start with a refundable 7-day Leakage Map, then a 90-day Control Pilot. No card migration. No multi-year lock-in.

The hard problem with AI spend

AI spend management is not just a dashboard of vendor totals. The real challenge is connecting employee-level card activity, SaaS ownership, AP records, reimbursement data, and accounting context so finance can decide which AI spend is useful and which is leakage.

Lumora is built for that governance layer. It helps finance teams find unapproved AI subscriptions, overlapping tools, off-policy charges, and budget drift — then model controls before high-impact policy changes go live.

What Lumora helps finance teams control

Built for the questions CFOs ask when AI tools start appearing across card statements, SaaS renewals, and AP records.

Shadow AI tools

Find employee-paid ChatGPT, Claude, Midjourney, Copilot, and other AI subscriptions that bypass procurement or duplicate enterprise contracts.

Duplicate SaaS spend

Connect card activity with SaaS and accounting context so finance can see where teams are paying twice for the same capability.

Policy exceptions

Surface spend that falls outside budget, category, vendor, or department rules before the exception becomes normal operating behavior.

Measured savings

Turn avoided charges, delayed purchases, redirected vendors, and removed seats into a CFO Brief that finance leadership can review and act on.

AI spend management vs generic spend tools

What you get	Lumora	Generic spend tools
Find ungoverned AI tools
Connect existing card data
Analyze SaaS, AP, and reimbursement data
Keep current card issuers
Model policy impact before activation
Human approval before high-impact controls
CFO-ready attribution for savings
Target buyer	Finance teams	IT, procurement, or cards

full support partial not supported

Choose Lumora when

✓You already have corporate cards, accounting data, and SaaS spend to govern.
✓Finance needs visibility across departments, vendors, subscriptions, and AI tools.
✓You want to model spend controls before enforcing them.
✓You need a pilot that proves whether the control layer is worth expanding.

This may not be the right fit when

×You only need receipt capture or employee reimbursements.
×You need a full procurement suite or contract lifecycle system.
×You want a brand-new card issuer instead of a governance layer.
×You require confirmed support for a specific integration before an onboarding review.

Common questions

AI spend management questions

Direct answers for finance teams evaluating AI spend management software.

What is AI spend management software?

AI spend management software helps finance teams detect, govern, and measure spend on AI tools, SaaS subscriptions, cards, AP, and reimbursement data. Lumora focuses on governance across existing systems instead of replacing the card program.

How does Lumora find shadow AI spend?

Lumora compares card activity, SaaS ownership, AP records, reimbursement data, accounting context, and HRIS context where available. That helps finance identify unapproved AI tools, duplicate subscriptions, and recurring charges without clear ownership.

Is Lumora only for AI subscriptions?

No. Lumora covers AI spend as part of a broader spend governance workflow across SaaS, cards, AP, reimbursement data, vendors, departments, and accounting context.

Does Lumora automatically block employee spend?

Lumora is designed around simulation and human approval. Finance teams can review recommendations, model policy impact, and activate controls when the workflow and available integrations support them.

Who should use AI spend management software?

It is most useful for finance teams with distributed SaaS and AI tool adoption, existing card programs, and enough recurring spend that duplicate vendors, unused seats, and off-policy charges create real operating risk.

See where AI spend is leaking.

A 7-day Leakage Map covers shadow AI tools, duplicate SaaS, policy exceptions, and finance-ready savings attribution — on your existing data.

No card migration
Read-only access
Refundable or credited
SOC 2 Type II in progress